{
  "canonical_url": "https://lendb.ai/lo/laura-mullins-22819",
  "lede": {
    "text": "Laura Mullins (NMLS 22819) is a mortgage loan officer at Bangor Savings Bank in Andover, Massachusetts, licensed in Massachusetts.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Laura licensed in Massachusetts?",
      "a": "Yes. Massachusetts regulator records list license MLO22819 as active (verified 2026-10-26).",
      "fields": [
        "licenses"
      ],
      "source": "Massachusetts state regulator",
      "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Laura work for?",
      "a": "Bangor Savings Bank, company NMLS 449200, from the Andover, MA office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Laura been licensed?",
      "a": "The earliest state license record LenDb holds for Laura is from February 8, 2022 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Laura states 30 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 22819,
    "slug": "laura-mullins-22819",
    "canonical_url": "https://lendb.ai/lo/laura-mullins-22819",
    "md_url": "https://lendb.ai/lo/laura-mullins-22819.md",
    "json_url": "https://lendb.ai/lo/laura-mullins-22819.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/22819",
    "full_name": {
      "value": "Laura Mullins",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Laura",
    "last_name": "Mullins",
    "licensed_names": [
      {
        "name": "Laura Mullins",
        "name_with_middle_initial": "Laura J. Mullins",
        "first_name": "Laura",
        "middle_initial": "J",
        "last_name": "Mullins",
        "states": [
          "FL",
          "MA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      }
    ],
    "headshot_url": {
      "value": "https://www.bangor.com/getmedia/067cbfd7-0358-4ca8-b75d-476646dc8c97/Laura-Mullins_370x463.png?width=370&height=463&ext=.png",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Laura Mullins is an AVP and Mortgage Loan Officer based in Andover, MA. They have been in mortgage lending for more than 30 years. They serve the Greater Boston area, Concord, Lexington, Waltham and other communities throughout Massachusetts.",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "AVP, Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 449200,
      "lender_name": "Bangor Savings Bank",
      "lender_slug": "bangor-savings-bank-449200",
      "branch_city": "Andover",
      "branch_state": "MA",
      "branch_zip": "01810",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 449200,
        "lender_name": "Bangor Savings Bank",
        "lender_slug": "bangor-savings-bank-449200",
        "branch_city": "Andover",
        "branch_state": "MA",
        "branch_zip": "01810",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO101891",
        "status": "expired",
        "issued_at": "2022-02-08",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": "MLO22819",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "ma"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Greater Boston area, Concord, Lexington, Waltham, Marlborough, Natick, Wellesley, Lowell, Worcester",
        "source": "lender_site",
        "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 16:15:12.471355+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/laura-mullins-22819#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/laura-mullins/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2022-02-08",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}